Your responsibilities as an employer

As an Australian employer you are required to pay at least 10.5% of an eligible employee’s earnings into a complying super fund. We’ve included the latest insights and answers to some of the most commonly asked questions below:

Super Guarantee (SG) is the term for the mandatory super contributions employers must make on behalf of their eligible employees.

Your employees can generally choose their own super fund for their Super Guarantee (SG) contributions to be paid into.

‘Stapling’ is where your new employees will automatically keep their existing super fund (if they have one) when they start their employment with you, unless they choose a fund themselves.

Paying your employees' super is mandatory but the good news is, you are able to claim a tax deduction for any employer contributions you make.

Salary sacrifice is a smart way for your employee to grow their super and reduce their taxable income.

Understand the impact superannuation changes have on how you manage your superannuation obligations and make sure you stay compliant.

We all know first impressions count, and a well-thought-out onboarding program may be a make or break moment for your new employees.

A policy committee is a forum or employers and members to voice their opinions and ideas about their BT Super plan.

This webinar was designed to help employers prepare for the latest changes introduced in the super space and understand their impact on how they manage their super obligations.

Our dedicated business super team is here to help you with all your super-related questions.

Mon-Fri, 8.30am-5.30pm Sydney time.

Access the important forms and documents you need to administer your super plan, or contact BT for support.

Things you should know

Information is current as at 1 July 2022.

Fund details for BT Super

Fund - Retirement Wrap USI BTA0287AU RSE R1001327 ABN 39 827 542 991. Trustee - BT Funds Management Limited ABN 63 002 916 458 AFSL No. 233724 RSE No. L0001090.

BTFM is the trustee and the issuer of interests in BT Super, which is part of Retirement Wrap. A Product Disclosure Statement (PDS) is available for BT Super and can be obtained by calling 1300 553 010 or visiting  You should obtain and consider the PDS before deciding whether to acquire, continue to hold or dispose of interests in BT Super.

BTFM is a subsidiary of Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714 (Westpac). Unless otherwise disclosed in the offer document for the relevant financial product an investment in BT Super is not an investment in, deposit with or any other liability of Westpac or any other company in the Westpac Group. It is subject to investment risk, including possible delays in repayment and loss of income and principal invested. Westpac and its related entities do not stand behind or otherwise guarantee the capital value or investment performance of the specific investments you select or the account generally.

BT has not reviewed any awards or other industrial instruments or agreements that are, or may become relevant to your employees. BT Super may not satisfy your obligations under any such award or industrial instrument or agreement. Before making a decision about BT Super, we recommend that you seek legal advice on its appropriateness, having regard to the requirements of any awards or other industrial instruments or agreements that are, or may become applicable.

The information provided is factual only and does not constitute financial product advice. Before acting on it, you should seek independent financial and tax advice about its appropriateness to your objectives, financial situation and needs. The information is current as at 1 July 2022 and provides an overview or summary only and it should not be considered a comprehensive statement on any matter or relied upon as such.